Risk Operations Specialist

Are you passionate about solving complex challenges in the fintech space? We’re looking for talented individuals to join our dynamic startup, backed by Sequoia Capital. We’re building the universal payment layer to unify all currencies—fiat and crypto—so businesses and consumers can transact seamlessly. If you're passionate about creating innovative solutions in a dynamic, fast-paced environment, we want to talk to you. We are hiring a Risk Operations Specialist! As a Risk Operations Specialist at Breeze, you’ll be at the front line of safeguarding our payments ecosystem. You’ll help identify, monitor, and mitigate fraud across card payments and crypto onramp/offramp transactions, ensuring a secure and seamless experience for our users and merchants. This role sits at the intersection of risk, operations, and product—perfect for someone who thrives in a fast-paced environment and enjoys combining analytical problem-solving with operational execution. ---------------------------------------------------------------------------------------------------------------------------------- What You’ll Do * Analyze, monitor, and prevent fraud across both card and crypto transactions, at user and transaction levels. * Use internal risk tools and platforms (including Sift) to label, track, and manage high-risk users and transactions. * Investigate suspicious activity and escalate potential fraud or compliance cases when necessary. * Collaborate closely with merchants, payment partners, and internal teams to refine risk management strategies. * Partner with Product Operations to respond to risk-related customer inquiries and manage user concerns. * Work with engineers to provide product feedback and request new features that enhance our risk detection capabilities. * Support the ongoing development and automation of risk processes and playbooks. * Handle chargebacks/disputes end-to-end, from reviewing incoming cases and gathering evidence to submitting representment responses and following the outcomes. ---------------------------------------------------------------------------------------------------------------------------------- What We’re Looking For * 2+ years of experience in risk management, fraud prevention, or compliance, ideally within payments, fintech, or financial services. * Strong attention to detail and sound judgment—critical for identifying and mitigating risk effectively. * Familiarity with payment gateways, banks, or high-risk merchant categories (e.g., gaming, travel, hospitality) is a plus. * Experience using fraud detection tools like Sift or similar systems (e.g., Riskified, Feedzai, or Forter) is a bonus. * Excellent communication, analytical, and decision-making skills. * A proactive mindset with the ability to work independently and collaborate cross-functionally. ---------------------------------------------------------------------------------------------------------------------------------- Our Culture * Fast-paced and dynamic – We move quickly to build and adapt. * Tech-driven – We leverage automation and data to enhance risk efficiency. * Ownership and communication – We value people who take initiative and communicate clearly. * Continuous learning – Work alongside experienced operators and expand your expertise in payments risk management. ---------------------------------------------------------------------------------------------------------------------------------- Why Join Us * Competitive salary + equity plan * 21 days PTO * Flexible benefits: annual medical allowance, productivity allowance, gym membership/personal well-being subsidy * Annual team retreat trip * Be part of a team backed by Sequoia Capital with a healthy runway     Apply now and help us build the future of payments at a global scale!

WHO WE ARE  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!   Your mission As a Payment & Risk Operations Specialist at Bitpanda, your mission is to conduct pre-execution transaction monitoring to prevent exposure to financial crime and system abuse, applying first-principles reasoning to assess unusual activity by using evidence and data to balance risk and impact in a way that serves both the company and the user.   What you’ll do * Assess suspicious activity in fiat and crypto transactions; determine and take ownership of appropriate mitigation strategies. * Analyse blockchain data to inform risk decisions with actionable insights. * Provide direct customer support via email and live chat, ensuring clear and professional communication. * Collaborate with internal teams on escalated cases, ensuring SLA adherence and contributing to operational improvements. * Support senior team members by compiling insights on emerging fraud trends and assisting with relevant reporting.     Who you are * 4+ years of experience in risk, fraud, or payments operations, including at least 2 years focused on payments fraud prevention in crypto or fintech, with practical experience investigating transactions using blockchain intelligence tools. SQL skills are a plus. * Demonstrate a strong commitment to fraud prevention through proactive, impact-driven intervention methods. * Apply practical, well-reasoned problem-solving grounded in data and logic, with a focus on efficiency and meaningful outcomes. * Communicate effectively, operate with sound judgment, and base decisions on evidence rather than personal bias or assumption. * Adapt easily to shifting priorities and maintain a continuous learning mindset to close knowledge gaps.     WHAT’S IN IT FOR YOU * Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice. * Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan. * Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP. * Time to recharge – On top of your standard annual leave, Prioritise your wellbeing with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months. * Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace. * Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel. * Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family. * Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long. * Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda. * Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent. * Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration        .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.   Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform. BITPANDA IS COMMITTED TO FOSTERING A FAIR AND EQUAL ENVIRONMENT BASED ON TRUST AND MUTUAL RESPECT. WE BELIEVE THAT A DIVERSE AND INCLUSIVE WORKPLACE IS PARAMOUNT TO OUR SUCCESS AND WE ARE COMMITTED TO BUILDING A TEAM THAT REPRESENTS A WIDE VARIETY OF BACKGROUNDS, PERSPECTIVES, AND SKILLS. * THESE BENEFITS MAY BE ADJUSTED AT BITPANDA’S DISCRETION AND DO NOT APPLY TO OUR INTERNSHIPS AND EXCEPTIONS TO OUR HYBRID WORKING POLICY APPLY TO TEAMS WITH SHIFT SCHEDULES OR FOR FOLKS WHOSE ROLES REQUIRE THEM TO BE IN-OFFICE (THINK: WORKPLACES TEAM OR IT).